The Oxford Dictionary defines the word insurance as, “A thing providing protection against a possible eventuality.” and Merriam – Webster defines insurance as, “A means of guaranteeing protection or safety.”. Insurance is our business so we have always defined it by the protection it provides our clients as well as ourselves but not everyone sees insurance the same way. Today’s blog post is about increasing awareness of what insurance does for you. We’ll do our best not to speak in the same tired cliches our industry is known for and offer you a fresh perspective on what many think of as a boring industry.
When we asked our staff what aspects of insurance they most wished our clients were aware of they told us this:
Dave Jr, owner of Hudson Valley Agents, would like our clients to be aware of the fact that insurance “Is highly regulated by the state of NY, that is why it is less expensive in many other states”. That explains the enormous difference in the cost of auto insurance from state to state. For questions on this topic, please send an email to email@example.com
Kathy would like her commercial clients to know that properly cancelling your policy, rather than allowing it to lapse due to non-payment, will make it easier for you to re-insure with that company again and it can save you money in the long run. For questions about insurance for your business, please email Kathy at firstname.lastname@example.org
Ashley handles our personal lines. She would like her personal auto insurance clients to know that rental car coverage does not mean that you can rent a car while you are on vacation and your insurance will pay for it. Rental car coverage means that your insurance company will pay for a rental car if your own car has been damaged in an accident. For questions about personal home or auto insurance, please contact Ashley at email@example.com
Philip wishes more business owners were aware of the differences between personal auto insurance, commercial auto insurance, and Hired/Non-owned coverage. If you or your employees routinely travel to deliver goods or services there are policies that protect them and your business should there be an auto accident while en route to a delivery. Ensuring that you have the proper coverage will save you a headache later on and the coverage is affordable too. For further information on this, please contact Philip at firstname.lastname@example.org.
Insurance impacts our lives in so many ways, it is important to understand what your policies cover and what they do not. We are always happy to share our knowledge, so if you have questions about your insurance, please do not hesitate to contact us, we are always happy to be of service!
#insurelocal #HudsonValleyAgents #NationalInsuranceAwarenessDay
What happens when you put 200 independent insurance agents into one room? They learn from one another and they teach the insurance industry a thing or two.
Everyone is back from the annual SAN Group meeting in Worcester and excited to put their new knowledge to work. Dave Jr and Philip spent their time taking classes,
Speaking to representatives of insurance companies,
They acted silly
And they found some insurance history too-
The insurance industry is always evolving to meet the ever changing needs of their insureds and the independent agents who serve them. Annual meetings like this help new agents, like Philip, get one on one time with companies and that benefits our clients and our agency. It also allows insurance companies to learn about changes they need to make from the people who know the needs of their clients.
Our partnership with the SAN Group allows us access to insurance companies that many other agencies are unable to work with. This partnership allows us to better serve our small businesses with insurance coverage that best fits their insurance needs and budgets.
Are you a small business owner in need of insurance coverage? Philip, David, and Kathy are ready, willing, and able to give you a free quote! Call (845-778-2141), click, or just stop by our Walden office today.
#independentinsuranceagency #HudsonValleyAgents #insurelocal #businessinsurance
If you always carry an umbrella with you you are automatically protected from unexpected rain or snow storms, and that is always a good thing. If your business has a commercial umbrella policy from Hudson Valley Agents then your business is protected from the unexpected and that’s a really good thing!
A CGL (commercial general liability) policy is one part of your BOP (Business Owner Policy) covers these 3 things:
- Property damage liability & bodily injury liability coverage
- Advertising injury & Personal injury
- Medical payments
A CGL will usually only pay out up to $1,000,000 and that may or may not cover you in the event of a lawsuit. If you have a commercial umbrella policy that 1 million can become as high as 5 million!
A commercial umbrella policy will not cover things like:
- Pollution Liability
- Liquor Liability
- Directors & Officers Liability
If you have questions about BOP’s, CGL’s, Commercial Umbrella coverage, or Commercial Auto insurance, please contact Kathy or Dave Jr at 845-778-2141. #insurelocal #HudsonValleyAgents #HudsonValley #businessinsurance #assetprotection
Every office should be lucky enough to have someone like Kathy Livingston. Kathy has been with Hudson Valley Agents since they opened their doors in 1990 and we hope she stays until at least 3220!
This isn’t Kathy’s first bio-blog (& it won’t be her last either!), so this time we had to give her questions that she was not expecting:
1- How long have you lived in the Hudson Valley? 40 years
2- What is your favorite place to visit in the Hudson Valley? The Christmas Tree Shop & Mt Alvernia
3- How long have you been in the insurance biz? 26 years
4- What’s your favorite song? It’s a hymn “Go make a difference”
5- What’s your favorite movie? Romeo and Juliette
6 – If someone made a movie of your life who would play you? Sally Field
7- What is the best part of your day at HVA? When people thank us for saving them money and taking good care of them
Kathy is our office manager, and single-handedly runs our commercial lines. Stop by our Walden office and say Hi one day, find out why we are the Hudson Valley’s best independent insurance agency!
#employeeappreciationday #insurelocal #HudsonValleyAgents
Please join us in welcoming Philip Bender-Tymon to the HVA family! Philip is an Ulster county resident with firm ties to his community, he is currently the Director of Communications for the Kingston Uptown Business Association and his husband is a local business owner. Philip has an extensive background in communications and problem solving, and is looking forward to putting those skills to work for our clients.
We were worried that Philip might find the world of an independent insurance agency a little slow compared to his previous life in corporate America, but he assures us that this is not the case,”I’m having a way better time meeting one-on-one with current and future clients and helping them to protect the things they love and treasure. Not having to set my alarm to 4 a.m. for a conference call to China is a huge bonus.”.
You can contact Philip at our Walden office, 845-778-2141 or via email email@example.com. Remember to eat locally, shop locally, play locally, and insure locally with Hudson Valley Agents!
#welcometothefamily #HudsonValleyAgents #insurelocal
There are only 4 more days left in 2016, and for that we are thankful! 2016 has been the year from hell for most of America and we find ourselves looking towards 2017 with hope and a little bit of nervous laughter. 2017 will be welcomed in with hearts filled with the hope that this will be the year we actually keep our New Year’s resolutions.
Making resolutions for the new year is something we have all done and 2017 will be no exception. An impromptu poll of Hudson Valley residents (we asked our friends and family members) shows that these are the 5 most popular Hudson Valley New Year’s resolutions:
1- Lose 10 pounds
2- Save money
3- Live your best life
4- Shop locally more often
5- Become more organized
Hudson Valley Agents can help you keep 3 out of 5 of these resolutions!
- Saving money on your insurance is easy, call, click, or stop by for a free quote on all of your insurance needs. We work with many insurance companies that offer competitive rates and many of them are located on the east coast.
- We love to shop local and we really love to insure local! We work with several Hudson Valley-based insurance companies as well as companies based in New York state. We also offer affordable insurance coverage for small businesses throughout the state. You can always #insurelocal with us!
- Organizing your insurance policies is easy with our free app for iPhone and Android users! Finding your policies, making claims, making payments, even finding your car in a crowded parking lot just became a whole lot easier.
#HudsonValleyAgents #NewYearsresolutions #insurelocal
Contact Kathy or Dave Jr for further information on cyber liability and business owners policies (BOP) – 845-778-2141
Dave Jr took his Mother to the Kingston waterfront over the weekend, and their favorite spot just happens to be Smorgasburgh. Smorgasburgh Upstate is a newcomer to the Kingston scene, but it has quickly become a “must see” on many visitors lists. Dave Jr and Josephine thoroughly enjoyed their visit-
BTW he totally bought the Hudson Valley print from MWN Neighborhoods, check out the link to their Etsy shop here.
These two had a blast shopping, eating, and sipping their way through a Saturday afternoon and your family will too. Smorgasburgh is open every Saturday through October 29 and worth the trip from anywhere in the Hudson Valley. (we totally recommend checking out Rockerbox Spice Company while you’re there, the roasted garlic dust is soo good)
Many Artisans and Craftsman have a difficult time finding coverage that fits their unique insurance needs and being under insured is almost as bad as having no coverage at all. We understand that artists have different insurance needs, so we work with insurance companies that allow us to tailor policies to fit the needs of the client. Call Dave Jr for further details on Vendor insurance, Artisan insurance, or Craftsman insurance today. #insurelocal #HudsonValleyAgents
Allow us to introduce you to HVA’s phone app! Now Android and iPhone users can start a claim, make a payment, get a free quote, find their parked car, and more just by downloading our free app. The Hudson Valley’s number one independent insurance agency just made insurance a whole lot smarter and easier.
Find out why we are the Hudson Valley’s #1 independent insurance agency, get your free insurance quote today! #hudsonvalleyagents #insurelocal
Locally sourced and locally distilled spirits are a pretty big deal in the Hudson Valley and insuring the people who create them is one of our favorite things to do! Distilleries have unique insurance needs so let’s talk about a few of them-
- A craft brewery and distillery policy can carry expanded coverage for tasting rooms, lounges, and restaurants.
- A craft brewery and distillery policy can cover a wide array of equipment breakdown losses.
- A craft brewery and distillery policy can cover contamination and adulteration issues.
- A craft brewery and distillery policy can protect your assets with coverage that takes into account your unique insurance needs.
For further information on craft brewery and distillery insurance coverage please contact Dave Jr at Hudson Valley Agents 778-2141. #insurelocal